Actually the payment is made in crypto (BTC, ETH, also USDT if you so desire) and the fiat is paid out to the merchant. Obviously there is some exchange somewhere in the back, but neither merchant nor custumer are interacting with it.
EDIT: I won't be dragged into discussion about crypto. GGP asked about option, I gave one. Do your homework and don't believe random HN posters (which goes for both of us). Over and out.
